Medical

Medical

A guide to drawing down your savings in retirement

As reported in the LA Times, “A guide to drawing down your savings in retirement.” The approach of retirement should be an exciting time for 50- and 60-somethings. But when the issue is your finances — and whether you’ve saved enough to last the rest of your life — excitement can quickly be overridden by […]

How to divvy up assets as you head for retirement

As reported in the LA Times, “How to divvy up assets as you head for retirement.” Choosing how to invest retirement savings often ends up being a dartboard exercise for younger people, because it all seems so theoretical. As the date of retirement or semi-retirement gets nearer, however, you begin to realize that your financial […]

Long-term care insurance: Less bang, more bucks

As reported in the OC Register, “Long-term care insurance: Less bang, more bucks.” Mary Julia Klimenko thought she was prudent 20 years ago when she invested in a long-term care insurance policy, one she believed would help pay for the care she’d need as she aged. Now she wishes she’d banked the money instead. Her […]

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings, as reported in the WS Journal. U.S. stocks are expensive by historical standards and the market has been choppy since mid-September. Nervous? To figure out how much risk you’re exposed to, try looking at your portfolio from five different […]

Where to Exit the Market Herd

Editor’s Note: This article appeared in early January, 2015. The timing and statements still appear true as of today – – the date of publication. Where to Exit the Market Herd – Simon Constable Suggests Three Contrarian Investment Plays, as reported in the WS Journal. Going with the crowd might have helped in high school, […]

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come, as reported in the WS Journal. Investors often try to profit by betting on short- and medium-term shifts in stocks and bonds. But the real money comes from anticipating long-term trends, the kinds of changes that take […]

10 things investors won’t tell you

10 things investors won’t tell you, as reported in the WS Journal. 1. We have no idea what we’re doing… Over the last four decades, the 401(k) plan has replaced the pension as the main form of retirement plan. About 31% of workers had so-called defined contribution retirement plans in 2008, up from just 8% […]

Federal officials, including those at the Centers for Medicare and Medicaid Services (CMS), are continuing to voice concerns regarding the possibility that up to an estimated 1.8 million households could lose their eligibility to receive the Affordable Care Act’s premium tax credit in 2016. Based on Treasury Department data, these households have been receiving the […]

Main fund for U.S. Medicare program to run out of money in 2030

WASHINGTON (Reuters) – A slowdown in healthcare spending has shored up the funding outlook for the federal program that pays elderly Americans’ hospital bills, trustees of the program said on Wednesday. The Medicare program’s trust fund for hospital care will run out of money in 2030 the trustees said in a report. That was the […]

The use of the advance premium tax credit (APTC) provided for by the Affordable Care Act and the administration of the tax credit are now in the spotlight of Sen. Orrin Hatch (R-UT), chairman of the Senate Finance Committee. During July 16 testimony before Hatch’s panel, the Government Accountability Office (GAO) revealed it had conducted […]

The 10 smartest cities in America

The 10 smartest cities in America, as reported in the WS Journal. The pursuit of higher education is more common in America today than in previous generations. According to the National Center for Education Statistics, roughly 41% of Americans aged 18 to 24 were enrolled in a two- or four-year degree-granting institution, far more than […]

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market, as reported in the WS Journal. As 2015 gets under way, most on Wall Street expect the nearly six-year-old bull market for stocks to keep running. And the long-awaited bear market for bonds seems to be on hold. For mutual-fund investors, […]

Preamble to Prop Reg12/19/2014; Prop Reg § 54.9831-1(c)(3)(vii); Prop Labor Reg 2590.732(c)(3)(vii) IRS, EBSA, and the Department of Health and Human Services (HHS) (the Departments) have issued new proposed regs that would create a pilot program for allowing plan sponsors in limited circumstances to offer, as excepted benefits, coverage that wraps around certain individual […]

Florida Governor Tells Residents Of Other States: ‘Move Here!’

TALLAHASSEE, Fla. (Reuters) – Florida Governor Rick Scott will kick off his second term on Tuesday with a blunt warning that he intends to poach people and jobs from other large states that have relatively higher taxes. “I have a message today to the people of New York, Illinois, California, Pennsylvania and others: Move to […]

Here are 15 economic surprises for 2015 Business leaders predict what we’ll be talking about this time next year.

As reported in the OC Register: Think back a year ago. Did anybody see consumers rewarded with cheap money and cheap gasoline – along with a healthy economy – nicely wrapped under the 2014 economic Christmas tree? It’s a good lesson that it’s one thing to predict economic trends – the high-probability business patterns we […]

As reported in the WS Journal: A Surge in Mortgages The moribund mortgage market sprang back to life this month after a drop in interest rates to levels not seen in almost two years sent borrowers rushing to lock in cheaper loans. Mortgage applications rose a seasonally adjusted 49% in the week ended Jan. 9 from […]

How to Stretch Your Health-Care Dollars – The Goal Is Adequate Health Care for the Lowest Out-of-Pocket Cost

How to Stretch Your Health-Care Dollars – The Goal Is Adequate Health Care for the Lowest Out-of-Pocket Cost, as reported in the WS Journal. A new year is here, and with it new opportunities to rein in a major slice of the household budget: health care. Yes, it’s complex. But being proactive can pay off, […]

Health law mandate will hit employers unevenly

As reported in the LA Times, Health law mandate will hit employers unevenly. Remember those end-of-the-world predictions from Nostradamus, the ancient Mayans and Pat Robertson that we somehow survived? The “employer mandate” may be Obamacare’s version of that. Starting today, one of the most-feared aspects of the Affordable Care Act takes effect after some delay, […]

10 things your health insurance won’t tell you

10 things your health insurance won’t tell you, as reported in the WS Journal. 1. We have no idea what to charge you for coverage The Affordable Care Act overhauled the country’s health insurance system, and insurers are still grappling with the changes. When President Obama’s signature law took full effect on Jan. 1, insurers […]

Meet Paul Raymond

Mr. Raymond is a sought after speaker in tax controversy law by many attorney, accountant, and business groups and at the request of the Internal Revenue Service, has presented programs at the IRS Nationwide Tax Forum, attended by tax professionals throughout the United States.

Additionally, he continues to be an active member in the Section of Taxation, American Bar Association, where he was the Past Chair of the Employment Taxes Committee.

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Law Offices of Paul W. Raymond

Newport Beach Office

The information on this website is for general information purposes only. Nothing on this or associated pages, documents, comments, answers, emails, or other communications should be taken as Tax Advice or Legal Advice for any individual tax issue or situation.